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The Credit and Lending Team at Protium is responsible for evaluating and managing the creditworthiness of applicants and structuring suitable lending solutions. They utilize proprietary models to assess revenue and growth potential, ensuring robust risk management. This team also designs and implements lending strategies across Protium's diverse platforms—Protium Finance, Protium Money, and Protium Sakshara—facilitating secured and unsecured loans to MSMEs, consumers, and educational institutions respectively. Additionally, they oversee the underwriting processes, develop credit policies, and manage collections to maintain the financial health of the lending portfolio.